the service for one complete statement period. During that time you will not be able to take any advances. You will be able to use the service the day after the account statement cycles, if all other eligibility requirements are met.

You will not be automatically placed in Payment Plan or required to take a break if you do not take an advance during at least one

statement period every six (6) consecutive statement periods. "

Please note that information provided in the Product Guide and Frequently Asked Questions that accompany the Service Agreement should also be read to include these new or changed terms, and any inconsistent statements may be ignored.

Certain types of accounts are excluded from using the service. For complete details and the list of excluded account types, please refer to the Direct Deposit Advance Service Agreement and Product Guide and any amendment or addendum, available online at wellsfargo.com/checking/direct-deposit-advance, or speak with a banker at the phone number listed at the top of your statement. Primary account number: 8097974870 April 7, 2012 - May 7, 2012 Page 7 of 7

Follow the steps below to reconcile your statement balance with your To dispute or report inaccuracies in information we have furnished to a account register balance. Be sure that your register shows any interest Consumer Reporting Agency about your accounts. You have the right topaid into your account and any service charges, automatic payments or dispute the accuracy of information that Wells Fargo Bank, N.A. has furnished ATM transactions withdrawn from your account during this statement to a consumer reporting agency by writing to us at Wells Fargo Servicing, P.O. period. Box 14415, Des Moines, IA 50306-3415. Please describe the specific AEnter the ending balance on this statement. $

information that is inaccurate or in dispute and the basis for the dispute along

with supporting documentation. If you believe the

BList outstanding deposits and other

information furnished is the result of identity theft, please provide us with credits to your account that do not appear on

an identity theft report.

this statement. Enter the total in the column

In case of errors or questions about your electronic transfers, to the right.

telephone us at the number printed on the front of this statement or write

us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as DescriptionAmount

you can, if you think your statement or receipt is wrong or if you need more

information about a transfer on the statement or receipt. We must hear

from you no later than 60 days after we sent you the FIRST statement on

which the error or problem appeared.

1. Tell us your name and account number (if any).

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more

Total$

+$

information.

3. Tell us the dollar amount of the suspected error. CAdd A andB to calculate the subtotal. =$

We will investigate your complaint and will correct any error promptly. If we D List outstanding checks, withdrawals, and

take more than 10 business days to do this, we will credit your account for

other debits to your account that do not appear

the amount you think is in error, so that you will have the use of the money

on this statement. Enter the total in the column

during the time it takes us to complete our investigation.

to the right.

In case of errors or questions about your Direct Deposit Advance(R)

service Number/Description

Amount

If you think your bill is wrong, or if you need more information about a